Daphne Warner is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds a Series 63 designation and previously worked at PNC Investments for 11 years before joining Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured assessment tools and modeling techniques but generally acts in an advisory capacity without providing individual security recommendations as part of standalone planning.

Travis King is a financial advisor with Robert W. Baird & Co. in Miamisburg, OH, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He worked at UBS Financial Services for 19 years before joining Robert W. Baird in 2019. Outside of his advisory role, he is an owner and member of Design Properties - Soraya Farms, LLC. He is part of the DDK Group within Robert W. Baird’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, and institutional clients. The group offers tailored financial planning and portfolio management services, utilizing both in-house and third-party managers to implement a range of investment strategies.

Matthew Beck is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 23 years of industry experience. He has worked with Cetera Advisors LLC since 2013 and currently operates several financial services businesses, including Peak Advisory Group and Prosperity Advisors, LLC. Beck also has involvement in tax preparation referrals through Prosperity Tax Center, LLC. Cetera Investment Advisers LLC is an SEC-registered advisor serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing over $256 billion in assets through more than 10,000 advisors.

Tiffany Kellner is a financial advisor with UBS Financial Services in Dayton, Ohio, holding Series 63 and Series 65 licenses and 26 years of industry experience. She has been with UBS since 2000. In addition to her advisory role, she serves as an instructor at the University of Dayton and is a member of the Board of Trustees for the Gala of Hope, a nonprofit focused on raising funds for cancer patients in Dayton. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services. The firm combines institutional trading capabilities with wealth management, offering fee-based financial planning, portfolio management, and access to proprietary research and capital markets services.

Kevin Duffin is a financial advisor with Cetera who holds a Series 63 designation and has 40 years of industry experience. His career includes roles at Marsh & McLennan Agency, MMA Securities LLC, and Brower Investment Advisers, alongside operating as a self-employed advisor since 1993. He serves on the board of directors for the USO Central & Southern Ohio, a nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered firm supporting a nationwide network of independent advisors. The firm serves a diverse client base, including individuals, retirement plans, corporate and charitable entities, and institutional accounts, offering a range of portfolio management and consulting services through a multi-manager platform.

Donald Reynolds Jr. is a financial advisor at Morgan Stanley with 23 years of industry experience. He has held various positions within Morgan Stanley and its private bank subsidiary since 2014. He holds Series 63 and Series 66 designations. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using approved tools and modeling techniques.

Michelle Lowe is a financial advisor at UBS Financial Services with 25 years of industry experience. She has been with UBS since 1998 and holds Series 63 and Series 66 designations. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor plans to clients' goals and risk tolerances.

Philip Schrager is a financial advisor with Ameriprise in Miamisburg, OH, holding a Series 63 designation and 36 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is involved in independent insurance brokering with multiple providers. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides tailored retirement income planning and ongoing advice based on detailed analysis and proprietary tools.

Matthew Lucas is a financial advisor at Stifel with three years of industry experience. He holds a Series 66 designation and has worked at Stifel since 2022, following multiple years as a self-employed advisor. Stifel serves a wide range of clients including individuals, institutional clients, and nonprofit entities, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group. The firm provides both episodic fee-based financial planning and advisory services, with clients generally retaining discretion over implementation.

Joshua Taylor is a financial advisor with Edward Jones in Kettering, Ohio, holding a Series 63 designation and 21 years of industry experience. He has been with Edward Jones for 20 years. Outside of his advisory role, he manages a commercial rental property in Dayton, Ohio. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate entities. The firm offers a range of advisory programs and investment options supported by a large network of financial advisors and branch offices nationwide.

Thomas Blalock Jr. is a financial advisor with UBS Financial Services in Miamisburg, Ohio, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with UBS since 2009. Outside of his advisory role, he serves on the board of The Children’s Home of Cincinnati Ohio, focusing on investment education for the organization’s endowment, and operates a sole proprietorship marketing business involving advertising on a vehicle. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining model-based asset allocations and proprietary research with institutional trading capabilities and wealth management solutions.

Emilie Theriot is a financial advisor at Raymond James & Associates with 19 years of industry experience. She holds a Series 66 credential and has been with Raymond James since 2013. Outside of financial advising, Emilie owns Golden Ratio Quilting, a longarm quilting business. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a broad client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional services with a range of portfolio management styles.

Terrence Oliss is a financial advisor with Charles Schwab in Miamisburg, Ohio, holding Series 65 and Series 63 credentials and having two years of industry experience. He previously worked at KeyBank and its investment services affiliate and has experience outside finance, including a role at Lunne Lawn & Landscaping, LLC. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services, combining non-discretionary advisory models with access to affiliated discretionary portfolios and alternative investments.

Sarah Boyd is a CFP®-certified financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. She has worked extensively within various JPMorgan Chase and JP Morgan Securities entities since 2015. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, emphasizing asset-allocation advice, investment manager searches, and customized performance reporting delivered on a non-discretionary basis. The firm's approach integrates quantitative modeling, centralized due diligence, and an ESG eligibility framework to guide recommendations.

Richard Pecce is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and totaling 38 years of industry experience. He has worked at Raymond James since 2019 and previously held positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. Raymond James & Associates is a large, dually registered broker‑dealer and SEC‑registered investment adviser with approximately $501 billion in assets. The firm serves individuals, institutional clients, pension plans, and municipal entities, providing financial planning, investment consulting, and municipal advisory services.

Tobias Jones is a financial advisor at Primerica Advisors with 17 years of industry experience. He has been with Primerica Advisors since 2008 and has a background that includes roles at Primerica Financial Services. Outside of his advisory work, he is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of discretionary separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure rather than fixed fees.

Donald Ammon is a Series 66-licensed financial advisor with Cambridge Investment Research Advisors, based in Dayton, OH, and has 15 years of industry experience. He has been with Cambridge Investment Research, Inc. and Cambridge Investment Research Advisors since 2015. Outside of advising, he serves on the board of the non-profit TCN Behavioral Health Services and acts as treasurer for Xenia Nazarene Church. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory services through independent financial professionals, utilizing a range of portfolio management strategies and platform arrangements tailored to client objectives.

John Chavies is a financial advisor at Raymond James & Associates with 34 years of industry experience. He holds the Series 63 designation and has been with Raymond James & Associates since 2014. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional clients, and municipal entities, and offers a range of financial planning and consulting services with a focus on non-discretionary advisory relationships.

Katherine Kakas is a financial advisor at UBS Financial Services with 28 years of industry experience. She holds the Series 66 designation and has been with UBS since 2009. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, providing a wide range of investment products and research-based solutions.

Michael Abbinante is a Senior Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to develop personalized financial strategies tailored to their long-term goals, drawing on insights from Merrill and banking solutions from Bank of America. His approach emphasizes a comprehensive understanding of each client's full financial picture and the flexibility to adapt to changing market conditions. Michael's expertise encompasses a range of client focus areas, including college education planning, divorce transition planning, family wealth management strategies, LGBT wealth planning, liquidity management, personal retirement planning, tax minimization, and retirement income. He holds several professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Michael earned his bachelor's degree from Wright State University. In addition to his professional work, Michael is committed to community involvement and contributes his time volunteering with local organizations, reflecting the Merrill tradition of service in the communities they serve.